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Dean is an award-winning personal finance writer who’s spent over 15 years helping consumers navigate the tangled and fascinating world of insurance.
In this article
Since being founded 75 years ago as a provider of affordable holidays for older people, Saga has branched into providing various financial products aimed at the over-50s.
It offers three tiers of travel insurance cover: Essential (lowest), Standard and Plus (highest). However, with Plus and Standard, you'll get different levels of cover again, depending on whether you've bought annual or single-trip insurance.
Saga's policies are underwritten by Astrenska Insurance Limited.
Please note that the information in this article is for information purposes only and does not constitute advice. Please refer to the particular terms and conditions of an insurer before committing to any financial products.
This insurer isn't available on MoneySuperMarket, but you can get quotes from other insurers and compare the cheapest with our reviews.
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Saga's Plus annual policy was the highest-scoring in our analysis. In total, four of its five policies were Best Buys.
82%
Policies
of 48 travel insurers' highest-scoring policies
See our full list of the best travel insurance.
| Medical expenses | £20 million | |
| Dental treatment | £500 | |
| Cancellation | £20,000 | |
| Travel abandonment | £20,000 | |
| Natural disaster cover | Included | |
| Cancellation / curtailment: illness, injury or death of person policyholder staying with | Yes/Yes | |
| Bankruptcy of holiday supplier | Not covered | 0 out of 5 |
| Bankruptcy of airline | Not covered | 0 out of 5 |
| Travel delay | £300 | |
| Missed departure: outgoing, returning, connecting | Yes/Yes/Yes | |
| Baggage/personal belongings | £10,000 | |
| Personal liability | £3 million |
Table last updated in May 2026. Next update in May 2027. We recommend checking policies before buying. See how we analyse travel insurance.
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Dean Sobers, Which? travel insurance expert, says:
Four of Saga's travel insurance policies – Saga Plus Annual and Single trip, and Saga Standard Annual and Single trip – were made Best Buys.
Of the 48 providers rated, Saga had the highest number of Best Buy policies and the highest policy scores. The Annual and Single trip versions of its Plus policy came first and second place in our analysis, with respective scores of 82% and 81%.
Its Standard policy earned scores of 77% and 75%, respectively – both among the top 10 policies rated.
Eye-grabbing features in the Plus policies include very high levels of cancellation cover: £20,000 to £40,000, depending on whether you're insuring a single trip or buying an annual policy.
Similarly plush are £7,500 to £10,000 limits for lost, stolen or damaged baggage.
The policies did well across almost all the areas of cover we examined, but no policy achieved an absolutely perfect score. For example, you can't use the legal expenses cover in the policy to take up a dispute against a travel company (such as a travel agent). You also can't claim if your holiday company or airline goes bankrupt.
Saga's policies are among a small minority (14% of policies) that don't have age limits for new customers, either for single trip or annual cover.
With lower benefit limits than Plus, the Standard policies still tower over that of many competitors, with cancellation cover of up to £10,000 (£5,000 for single trip) and medical expenses cover of up to £5m-£10m. They consequently placed just behind Plus in our tables.
Essential – which only covers single trips – was a far more modest offering.
Its cover levels were generally lower than the other Saga policies, with some missing features, such as missed departure cover or cover for delayed baggage. It attained a mid-table score of 66% overall, slightly above the average score of 62%.
Saga is a specialist provider for covering customers with pre-existing medical conditions. This means it may be more likely to cover customers with conditions that other insurers would be less likely to take on.
However, if you have a medical condition, you should still look at a mixture of specialist and non-specialist providers
To add your conditions to the policy, you'll need to declare them when you take it out. Saga works with a medical screening company called Verisk to ask customers about their medical conditions.
However, if you're struggling to get cover, see our guide on travel insurance if you have a medical condition.
Saga uses a company called Collinson Insurance Services to handle claims.
For medical emergencies abroad, or if your passport is lost or stolen, call +44 (0) 1444 442 105. If you're travelling in the UK, call 0800 092 2101.
For other types of claim, call +44 (0) 1444 442 106 from abroad, or 0800 092 2099 from the UK. You can also start a claim online.
Before calling for cancellation claims, you should contact your travel agent and/or airline to see if you can get a refund or move your trip.
You'll need to provide your policy number when you call.
The Saga Plus annual multi-trip policy was the top-scoring policy in our analysis with 82% and a Best Buy.
Second place was Saga's Plus single trip policy - again, a Best Buy with a score of 81%.
Yes: if you're over 50, and after gold standard travel cover, Saga's policies are some of the best we've seen.
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